IDFC First FIRST Millennia Credit Card: Fees, Rewards & Benefits
Online Shopping card
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The IDFC First FIRST Millennia is a lifetime-free card geared to online shoppers, offering 6 points per Rs 150 online, railway lounge access and movie discounts. The Rs 0.25 point value, lack of airport lounges and 3.5% forex markup make it a solid no-cost everyday card rather than a travel option.
Online Shopping card
The Bottom Line
The IDFC First FIRST Millennia is built for online shopper and lifetime-free seeker. With no annual fee, it offers 1% rewards on online and a welcome benefit worth ₹500. It makes the most sense if your spending matches online shopper and lifetime-free seeker.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Online Shopper, Lifetime-Free Seeker.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers with heavy online spending who benefit from 6 points per Rs 150 on online purchases at no annual cost
Beginners wanting a no-fee card with railway lounge access and movie discounts
Probably not for
SkipTravellers who need airport lounge access, since the card offers only railway lounges
Overseas users, given the 3.5% forex markup
Is It Worth It For You?
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Reward Rates
IDFC First FIRST Millennia offers 0.5% basic reward rate.
Quick Calculator
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Welcome Offer
Welcome gift voucher worth Rs. 500 (from brands such as Amazon, BigBasket, Uber, Lifestyle) on spending Rs. 5,000 or more within 30 days of card generation.
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 700
- Age 21+; salaried min ₹25,000/month or self-employed min ₹3L p.a.; CIBIL 700+; lifetime free card with no-expiry reward points.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- EMI transactions do not earn reward points.
Cash Advances
- Cash withdrawals / advances do not earn reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
Apply on IDFC First Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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